Carver Federal Savings Bank

Headquarters: New York, New York
Charter: Bank
Assets: $658.1M
Fed district: New York
Regulator: OCC
Holding company: Carver Bancorp Inc.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for Carver Federal Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Carver Federal Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Carver Federal Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $312K in Q2 2026, 1.3% above the same quarter a year earlier ($308K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
My Online Account $6 to $20 · Value Plus Interest Checking $7 · Online Account Opening $25
Compared at $13.50, the middle of its prices
Carver Federal Savings Bank: $6 to $25
Carver Federal Savings Bank: $6 to $25
U.S. median: no median
NSF / Returned Item
Carver Federal Savings Bank: $35
Carver Federal Savings Bank: $35
U.S. median: no median
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Carver Federal Savings Bank: $2.50
Carver Federal Savings Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $312K.

Service-charge income, Q2 2026

$312K

$311KQ3 2025

$326KQ4 2025

$320KQ1 2026

$312KQ2 2026

Against the median

Carver Federal Savings BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Carver Federal Savings Bank · $658M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$643M to $675M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Carver Federal Savings Bank(this institution)	New York, NY	$658M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
AbbyBank	Abbotsford, WI	$662M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Carroll Bank and Trust	Huntingdon, TN	$662M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
CCB Community Bank	Andalusia, AL	$662M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Classic Bank, National Association	Cameron, TX	$657M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Concordia Bank & Trust Company	Vidalia, LA	$667M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank of Colby	Colby, KS	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Eagle Bank	Chicago, IL	$650M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Hope Bank, A National Banking Association	Hope, NJ	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust Company, Inc.	Caruthersville, MO	$659M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
High Plains Bank	Flagler, CO	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Federal Bank	Shreveport, LA	$644M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Homeland Federal Savings Bank	Columbia, LA	$658M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Legence Bank	Eldorado, IL	$643M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Metairie Bank & Trust Company	Metairie, LA	$666M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Modern Bank, National Association	New York, NY	$649M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
New Tripoli Bank	New Tripoli, PA	$674M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennian Bank	Mifflintown, PA	$668M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peoples Bank & Trust	Pana, IL	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stockmens Bank	Colorado Springs, CO	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Tescott	Tescott, KS	$648M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Poca Valley Bank, Inc.	Walton, WV	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
TXN Bank	Hondo, TX	$669M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walpole Co-operative Bank	Walpole, MA	$646M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Worthington Bank	Arlington, TX	$655M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.51 (50%) above the median of similar-sized banks.

Compared at $13.50, the middle of its four prices, against a peer median of $8.99 among 16 publishing peers.

Its four checking prices are $6, $7, $20 and $25.

$13.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Carver Federal Savings Ba…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Carver Federal Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $312K
vs prior quarter: −$8K−2.5%; from Q1 2026
vs a year earlier: +$4K+1.3%; from Q2 2025
vs start of range: +$54K+20.9%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Carver Federal Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$312K	−$8K	−2.5%
Q1 2026	$320K	−$6K	−1.8%
Q4 2025	$326K	+$15K	+4.8%
Q3 2025	$311K	+$3K	+1.0%
Q2 2025	$308K	−$5K	−1.6%
Q1 2025	$313K	−$27K	−7.9%
Q4 2024	$340K	+$82K	+31.8%
Q3 2024	$258K	+$21K	+8.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Carver Federal Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$25
per month
Monthly service charge$6
per month
Monthly service charge fee$20
per month
Value Plus Interest Checking Monthly service charge$7
per month
Checking/Savings Account Closure (within 6 months)$15
Inactive Account Fee (After 12 months of inactivity)$5
per month
Account Research/Reconciliation$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$5

Overdraft & NSF

NSF/Uncollected Funds$35

ATM & Card

Inquiry at Non-Carver ATMs$2.50
per item
Non-Carver and Allpoint ATM Withdrawals$2.50
per transaction
Non-Carver Bank ATM withdrawal fees$2.50
Not compared: Monthly charge, not per item
per month
Replacement Card$7.50
per item
Expedited debit card/Express Debit$36.50
per item

Wire Transfers

Domestic Outgoing Wire Transfer$40
per item
Wire Transfers: Domestic Outgoing$40
Incoming Wire Transfer (customers only)$25
per item
Foreign, Outgoing Wire Transfer$45
per item
Wire Transfers: Foreign, Outgoing$45

Check Services

Teller's Check (customer only)$10
per item
Teller’s Check (customers only)$10
Money Orders (per item, customer only)$5
per item
Paid Money Order$10
per item
Paid Money Order$10
Not compared: Annual charge, not per item
per year
Stop Payment for Bill Payments$30
per item

Cash & Deposit

Returned Deposited Item$20
per item

Account Services

Account Balance Verification$20
per item

Retirement & IRA

IRA Trustee Annual Fee$25
per year
IRA Termination$20

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$25	per month	None
Monthly service charge	$6	per month	None
Monthly service charge fee	$20	per month	None
Value Plus Interest Checking Monthly service charge	$7	per month	None
Checking/Savings Account Closure (within 6 months)	$15	Not stated	None
Inactive Account Fee (After 12 months of inactivity)	$5	per month	None
Account Research/Reconciliation	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$5	Not stated	None
Overdraft & NSF
NSF/Uncollected Funds	$35	Not stated	None
ATM & Card
Inquiry at Non-Carver ATMs	$2.50	per item	None
Non-Carver and Allpoint ATM Withdrawals	$2.50	per transaction	None
Non-Carver Bank ATM withdrawal fees	$2.50Not compared: Monthly charge, not per item	per month	None
Replacement Card	$7.50	per item	None
Expedited debit card/Express Debit	$36.50	per item	None
Wire Transfers
Domestic Outgoing Wire Transfer	$40	per item	None
Wire Transfers: Domestic Outgoing	$40	Not stated	None
Incoming Wire Transfer (customers only)	$25	per item	None
Foreign, Outgoing Wire Transfer	$45	per item	None
Wire Transfers: Foreign, Outgoing	$45	Not stated	None
Check Services
Teller's Check (customer only)	$10	per item	None
Teller’s Check (customers only)	$10	Not stated	None
Money Orders (per item, customer only)	$5	per item	None
Paid Money Order	$10	per item	None
Paid Money Order	$10Not compared: Annual charge, not per item	per year	None
Stop Payment for Bill Payments	$30	per item	None
Cash & Deposit
Returned Deposited Item	$20	per item	None
Account Services
Account Balance Verification	$20	per item	None
Retirement & IRA
IRA Trustee Annual Fee	$25	per year	None
IRA Termination	$20	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Carver Federal Savings Bank operates, and what regulators and customers have on file.

Holding company

CARVER BANCORP INC (OTC: CARV)

Consolidated assets

$697.9M

Shareholders' equity

$26.9M

As of

2025Q3

Net income by quarter

Recent SEC filings

8-KCARVER BANCORP, INC. FORM 8-K NOVEMBER 18, 20252025-11-18View
10-Q10-Q2025-11-13View
8-KFORM 8-K2025-11-05View
10-Q10-Q2025-08-13View
10-K10-K2025-06-24View
8-KPeriod 2025-05-142025-05-16View
10-Q10-Q2025-02-13View
8-KCARVER BANCORP, INC. FORM 8-K DECEMBER 12, 20242024-12-12View
10-Q10-Q2024-11-14View
8-KCARVER BANCORP, INC. FORM 8-K SEPTEMBER 11, 20242024-09-16View
10-Q10-Q2024-08-14View
8-KFORM 8-K2024-07-17View

Source: SEC EDGAR filings and XBRL financial data, CIK 1016178. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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